Box truck financing — 16 to 26 ft, new or fleet-sale used.
Movers adding a 26-footer with a liftgate. Last-mile and appliance-delivery contractors buying a used Freightliner M2 or Isuzu NRR out of Penske, Ryder, or Enterprise fleet sales. Service fleets putting a body on a chassis. 22 years financing box trucks; a real person picks up the phone and tells you in three minutes what your deal looks like.
Buying from Penske, Ryder, or Enterprise? Start here.
Most of the box trucks we finance right now are used units from Penske Used Trucks, Ryder Used Vehicle Sales, and Enterprise Truck Sales. Fleet-maintained, service records in hand, usually 2 to 5 years old, priced to move. Our lenders like them for the same reasons you do — known maintenance history and a seller who produces a clean bill of sale and title every time.
Send us the listing link or stock number with your application. We fund direct to the fleet-sales location, and because those lots turn inventory quickly, we'll push to have your approval in hand before you put a deposit down.
Who we fund
- Moving companies — local and regional movers adding a 24 or 26 ft box with a liftgate, or replacing a tired fleet unit.
- Last-mile and expedited-freight contractors — DSPs, furniture and appliance delivery, medical courier. Established fleets adding units, and startups with the credit to back a first truck.
- Delivery-based businesses — appliance stores, furniture retailers, equipment rental yards, floral and food-service suppliers running their own truck.
- Service fleets — HVAC, plumbing, electrical, pest control, mobile mechanic. Service body on a Class 3-5 chassis, or a 16 ft cube as a rolling parts room.
- Catering and refrigerated delivery — reefer-body box trucks for caterers, meal-prep companies, and cold-chain couriers.
- Startups with strong credit — new business, 680+ personal credit, real down payment, truck picked out. We close these every week. See the down-payment section for how the credit tier changes the deal.
Dump, tow, septic, roll-off, refuse, and bucket trucks live on the vocational truck financing page.
What we finance
- 24 ft and 26 ft box trucks — Class 6-7 chassis. Freightliner M2 106, International MV, Hino 268, Isuzu NRR/FTR. The standard mover and last-mile spec, and the bulk of what Penske, Ryder, and Enterprise sell.
- 16 ft to 20 ft cube vans — Class 3-5 chassis (Isuzu NPR, Ford E-450, Chevy 4500). Delivery, catering, parts, rental yards.
- Liftgate-equipped trucks — tuck-under, rail, level-ride. Standard for moving and appliance delivery.
- Refrigerated box trucks — Carrier and Thermo King reefer bodies for cold-chain work.
- Service-body trucks — Knapheide, Reading, Royal, Stellar, Auto Crane. Chassis and body financed together.
- New from the dealer — Isuzu, Hino, Freightliner, International dealers nationwide. One approval, buy from whichever dealer has the unit.
Age cap on box trucks is generally 6 years or newer; fleet-sale units almost always fall inside it. Dealer and fleet-sales purchases only — we don't finance private-party or auction box trucks.
How much down
The ranges below are reference points so you know roughly where a file lands — they are not a rate sheet. We review every situation individually, and once we've seen your file we'll tell you exactly what the down payment is.
- Established business, strong credit: $0 to 10% down. Movers and delivery fleets adding a unit land here all the time.
- Startup, 680+ credit: typically 10-20% down. Strong credit is what makes a startup box-truck deal work — the lender is lending on you until the business has a track record.
- Below 680 credit — startup or established: plan on 25% to as much as 40% down. Below 680 with no business history, expect the top of that range. The down payment is what gets the file approved; without it, it isn't a deal we can place.
Every file is reviewed on its own merits. Time in business, bank statements, the specific truck, and comparable credit all move the number — the tiers above are where files usually start, not where they have to end.
Why TAC vs. one bank or the dealer's finance company
Your bank will usually decline a used box truck, decline under-two-years time in business, or both. The dealer's captive lender only finances the brand it sells — and Penske, Ryder, and Enterprise fleet-sales lots don't have a captive at all; they'll point you to a third party. Each attempt is another hard credit pull and another day the unit might sell. TAC fixes that: one application, programs across every qualifying credit tier, the right fit identified in 24 hours, funding wired direct to the dealer or fleet-sales lot.
Trust Alliance Capital is a Kaysville, Utah-based, BBB A+ rated commercial equipment finance company, family-owned since 2004. The person who picks up the phone at (801) 332-9756 is the person who works your file through to funding.
What we don't finance
- Auction purchases
- Private-seller purchases
- Glider trucks
- Repairs to existing equipment
- Refinances of current loans (cash-out refi on free-and-clear equipment only — call for details)
Frequently asked
Can you finance a used box truck from Penske, Ryder, or Enterprise? Yes — that's where most of our box-truck deals come from. Fleet-maintained units with service records, and sellers who produce a clean bill of sale and title every time. Send us the listing and we fund direct to the fleet-sales lot.
Can I finance a box truck as a startup? Yes, with strong credit. 680+ personal credit, a real down payment, and a specific truck picked out is a deal we close regularly. Below 680, plan on up to 40% down — the lender needs real money in the deal when there's no business history behind it. We review every file individually.
How much down? Reference points: established business with strong credit, $0 to 10% down. Startup with 680+ credit, 10-20%. Below 680, 25% to as much as 40%. The exact number comes out of the file review, not off this page.
Do you finance box trucks from private sellers? No. Dealers and fleet-sales operations only — Penske, Ryder, Enterprise, and franchised truck dealers. Private-party and auction purchases are outside our program. If the truck you've found is a private sale, call before you commit; there's almost always a comparable fleet-sale unit nearby.
What year and mileage limits? Generally 6 years or newer. Fleet-sale units from the big three usually fall well inside that. Mileage matters less than age and condition on a fleet-maintained truck.
Do you finance service-body upfits? Yes. Chassis and body on one loan.
How fast? App-only files typically approve in 24-48 hours and fund in 3-5 business days from a complete application. Get the application in before you put a deposit down — fleet-sale lots move fast.
Ready to talk about the truck you're buying?
Tell us about the box truck you're buying.
Send the Penske, Ryder, or Enterprise listing if you have one. Three minutes on the phone and you'll know what your deal looks like.
What our customers say
Real reviews from operators we've funded. Verified five-star reviews from our public profile.
★★★★★
“Spencer and Trust Alliance Capital helped me get financed for my first semi truck as a startup owner-operator when no one else would. The process was smooth and Spencer was always available to answer my questions. I would highly recommend them to anyone looking for commercial truck financing.”
— Bobby · Owner-Operator · worked with Spencer
★★★★★
“My experience with Trust Alliance Capital was great. If I could I would give them 10 stars. Took a week to get my deal done, got approved in one day, found my truck over the weekend and I just signed my paperwork yesterday. Thanks to Spencer and his assistant Kathleen — you need finance, Trust Alliance Capital is who I would recommend. They made it happen. Thanks again.”
— Diante C. · worked with Spencer
Box truck financing by state
Same lender panel, same fleet-sale structures, same startup credit rules — applied to your state's moving, delivery, and last-mile market. Click your state for local context.